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BOC Life — same-insurer plan comparison
BOC Group Life Assurance Company Limited · 2 plan series · 5 variants
BOC Group Life Assurance Company Limited offers 5 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 4 Flexi), covering Worldwide (excluding United States) and Worldwide, across Standard Private Room and N/A (capped) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.
Data version: Aug 1, 2022
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Highlights
VHIS cert no.
S00022-01-000-02Benefits PDFPremiums PDF
F00057-01-000-02Benefits PDFPremiums PDF
F00057-02-000-02Benefits PDFPremiums PDF
F00057-03-000-02Benefits PDFPremiums PDF
F00057-04-000-02Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Coverage region
Worldwide
Worldwide (excluding United States)
Ward
N/A (capped)
Standard Private Room
Lifetime limit
—
—
Annual limit
Per illness
—
—
SMM top-up
—
—
No-Claim Bonus
—
—
Deductible
—
Deductible reduction at specified ages
Not applicable
Zero deductible selected
Version
Mar 28, 2021
Aug 1, 2022
Basic Benefits Basic
(a) Room and board
HK$750 per day, maximum 180 days per Policy Year
Full reimbursementR&C
(b) Miscellaneous charges
HK$14,000 per Policy Year
Full reimbursementR&C
(c) Attending doctor's visit fee
HK$750 per day, maximum 180 days per Policy Year
Full reimbursementR&C
(d) Specialist's fee
HK$4,300 per Policy Year
Full reimbursementR&C
(e) Intensive care
HK$3,500 per day, maximum 25 days per Policy Year
Full reimbursementR&C
(f) Surgeon's fee
—
Full reimbursementR&C
Surgeon's fee — Minor
HK$ 5,000
—
Surgeon's fee — Intermediate
HK$12,500
—
Surgeon's fee — Major
HK$25,000
—
Surgeon's fee — Complex
HK$50,000
—
(g) Anaesthetist's fee
35% of Surgeon's fee payable
Full reimbursementR&C
(h) Operating theatre charges
35% of Surgeon's fee payable
Full reimbursementR&C
(i) Prescribed Diagnostic Imaging Tests
HK$20,000 per Policy YearSubject to 30% Coinsurance.
Full reimbursementR&C
(j) Prescribed Non-surgical Cancer Treatments
HK$80,000 per Policy Year
Full reimbursementR&C
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
HK$580, per visit, HK$3,000 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
Full reimbursement1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case ProcedureAll outpatient visits or Emergency consultations within 30 days before Confinement/Day Case ProcedureAll follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
(l) Psychiatric treatments
HK$30,000 per Policy Year
Full reimbursementR&C
Extra Benefits Extra
Accident-related
Emergency outpatient treatment for Accident
—
Inpatient-related
Medical implants / prosthetic devices
—
HK$132,000 per device per Policy Year
Complications of pregnancy
—
HK$200,000 per Policy Year
Hospital companion bed fee reimbursement
—
Full reimbursementR&C
Private nursing fee (during Confinement)
—
HK$1,000 per day (maximum 90 days per Policy Year)
Outpatient-related
Rehabilitation benefit
—
HK$3,000 per day (maximum 90 days per Disability per Policy Year) (subject to prior approval)
Outpatient kidney dialysis
—
Full reimbursementR&C
Health check-up benefit
—
HK$4,500 per Policy Year
Hospice and palliative care benefit
—
HK$132,000 per Policy Year
Chinese Medicine Practitioner outpatient care
—
HK$600 per visit, maximum 20 visits per Policy Year
Aggregate Limits
Overseas Organ Transplant Aggregate Limit
—
HK$1,650,000 per Policy Year
Cash Benefits Cash
Second-claim cash allowance
HK$200 per day, maximum 90 days per Policy Year
—
Event Benefits Event
Medical accident and incident extension benefit
HK$100,000
—
Compassionate death benefit
HK$5,000
HK$5,000
VHIS cert no.
S00022-01-000-02Benefits PDFPremiums PDF
Coverage region
Worldwide
Ward class
N/A (capped)
Lifetime benefit limit
—
Annual benefit limit
HK$420,000
Per-illness benefit limit
—
SMM Supplemental Major Medical
—
No-Claim Bonus
—
Deductible Options
—
Deductible reduction at specified ages
Not applicable
Basic Benefits Basic
(a) Room and board
HK$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
HK$14,000 per Policy Year
(c) Attending doctor's visit fee
HK$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
HK$4,300 per Policy Year
(e) Intensive care
HK$3,500 per day, maximum 25 days per Policy Year
(f) Surgeon's fee不限手術類別
—
Surgeon's fee — Minor
HK$ 5,000
Surgeon's fee — Intermediate
HK$12,500
Surgeon's fee — Major
HK$25,000
Surgeon's fee — Complex
HK$50,000
(g) Anaesthetist's fee不限手術類別
35% of Surgeon's fee payable
(h) Operating theatre charges不限手術類別
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
HK$20,000 per Policy YearSubject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
HK$80,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
HK$580, per visit, HK$3,000 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
HK$30,000 per Policy Year
Extra Benefits Extra
Accident-related
Emergency outpatient treatment for Accident
—
Inpatient-related
Medical implants / prosthetic devices
—
Complications of pregnancy
—
Hospital companion bed fee reimbursement
—
Private nursing fee (during Confinement)
—
Outpatient-related
Rehabilitation benefit
—
Outpatient kidney dialysis
—
Health check-up benefit
—
Hospice and palliative care benefit
—
Chinese Medicine Practitioner outpatient care
—
Aggregate Limits
Overseas Organ Transplant Aggregate Limit
—
Cash Benefits Cash
Second-claim cash allowanceAfter other pays
HK$200 per day, maximum 90 days per Policy Year
Event Benefits Event
Medical accident and incident extension benefit
HK$100,000
Compassionate death benefit
HK$5,000
Plan 1 / 2
中銀人壽標準自願醫保
BOC Life Standard VHIS
Standard PlanVer. Mar 28, 2021
- VHIS cert no.
- S00022-01-000-02
- Plan Type
- Standard
- Coverage region
- Worldwide
- Ward class
- N/A (capped)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- HK$750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$14,000 per Policy Year
- (c) 主診醫生巡房費
- HK$750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 25 days per Policy Year
- (f) 外科醫生費不限手術類別
- —
- 外科醫生費 — 小型
- HK$ 5,000
- 外科醫生費 — 中型
- HK$12,500
- 外科醫生費 — 大型
- HK$25,000
- 外科醫生費 — 複雜
- HK$50,000
- (g) 麻醉科醫生費不限手術類別
- 35% of Surgeon's fee payable
- (h) 手術室費不限手術類別
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HK$20,000 per Policy YearSubject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580, per visit, HK$3,000 per Policy Year Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$30,000 per Policy Year
Extra Benefits Extra
- 復康保障
- —
- 門診洗腎
- —
- 醫療植入裝置
- —
- 懷孕併發症
- —
- 意外急症門診治療費用賠償
- —
- 身體檢查保障
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 出院後 / 日間手術後的中醫門診治療
- —
- 於任何地方但不包括美國及香港進行的器官移 植手術並取得預先批准,其 1) 基本保障下 保障項目(a) – (i)及(k),以及 2) 額外保障下保 障項目(a)、(b)、(f)、(g)、(h)及(i)的總保障限 額
- —
Cash Benefits Cash
- 第二索償現金津貼
- $200
Event Benefits Event
- 醫療意外事故保障
- HK$100,000
- 恩恤身故賠償
- HK$5,000
Plan 2 / 2
非凡守護靈活自願醫保
SmartViva Flexi VHIS
High-limitVer. Aug 1, 2022
- VHIS cert no.
- F00057-01-000-02F00057-02-000-02F00057-03-000-02F00057-04-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide (excluding United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$33,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $10K / $30K / $70K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費不限手術類別
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費不限手術類別
- Full reimbursement
- (h) 手術室費不限手術類別
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- Full reimbursement 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- Full reimbursement
Extra Benefits Extra
- 復康保障
- HK$3,000 per day (maximum 90 days per Disability per Policy Year) (subject to prior approval)
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- $132,000
- 懷孕併發症
- $200,000
- 意外急症門診治療費用賠償
- Full reimbursementof Eligible Expenses within 48 hours of the Accident or Emergency
- 身體檢查保障
- $4,500
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- HK$1,000 per day (maximum 90 days per Policy Year)
- 善終服務
- $132,000
- 出院後 / 日間手術後的中醫門診治療
- HK$600 per visit, maximum 20 visits per Policy Year
- 於任何地方但不包括美國及香港進行的器官移 植手術並取得預先批准,其 1) 基本保障下 保障項目(a) – (i)及(k),以及 2) 額外保障下保 障項目(a)、(b)、(f)、(g)、(h)及(i)的總保障限 額
- $1,650,000
Cash Benefits Cash
- 第二索償現金津貼
- —
Event Benefits Event
- 醫療意外事故保障
- —
- 恩恤身故賠償
- $5,000